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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,352 | $63,346-26.8% | $92,239-49.7% | $70,124-33.9% |
| Participation rate | 48.2% | 68.7%-20.4pp | 76.5%-28.2pp | 69.5%-21.3pp |
| Annual return | 17.88% | 530.19%-512.3pp | 176.29%-158.4pp | 73.14%-55.3pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $3,507 | $2,854+22.9% | $3,897-10.0% | $3,332+5.3% |
| Admin fee / account holder | $2,843 | $3,841-26.0% | $5,194-45.3% | $4,645-38.8% |